Overview

General Credit Union Information

Vystar is an NCUA insured institution located in Jacksonville, FL.
It was founded in 1952 and has approximately $6929.47 millions in assets.

Who can join?

VyStar serves more consumers than ever before. Individuals and businesses from Alachua, Baker, Bradford, Clay, Columbia, Duval, Flagler, Gilchrist, Hamilton, Levy, Marion, Nassau, Putnam, St. Johns, Suwannee, Union and Volusia counties rely on VyStar to help fulfill their financial goals and dreams. This includes any business, club, church, organization or association located in the designated area and any person who is related to a member by blood, marriage or adoption -- regardless of where they live.

Your membership will last a lifetime. Our policy at VyStar is, “Once a member, always a member.” That means, wherever your future takes you-wherever you may move or end up living in the world-VyStar will go with you and continue to serve and meet your needs.

Who May Join

As a state-chartered community credit union, our membership is defined geographically. This means that if you live or work within the counties defined above then you are eligible to become a member of VyStar Credit Union.

Field of Membership Restrictions

Membership in Vystar Credit Union is open to the residents, businesses, churches, organizations, associations, and the people that maintain employment within these qualified counties in Florida: Alachua, Baker, Bradford,Clay, Columbia, Duval,Flagler, Gilchrist, Hamilton, Lake, Levy, Marion, Nassau, Putnam, St.John's, Seminole, Suwannee, Union, and Volusia as well as the family members of the current credit union members.

Featured - Virginia Home Equity Line Of Credit Rates 2018

Note to VYSTAR
To upload and update your bank's rates please register.
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Branches

Below are Vystar branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia

Vystar Locations

Financial Details

Vystar Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Vystar.
The data is provided by the NCUA.
All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured.
Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio

Vystar

U.S. Average

4.50%

7.77

The Texas Ratio compares the amount of loans at risk and assets repossessed
with the amount a credit union has on hand to cover any losses.
The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has
to absorb its loan losses.

As of September 30, 2017,
Vystar had $27,829,523 in non-current loans and $1,629,447 in owned assets.
To cover these potential losses it had $622,410,682
in net worth and $32,649,290 in loans loss reserves.
That gives it a Texas Ratio of 4.50%.

Net Worth

Vystar

U.S. Average

8.98%

13.15%

Vystar FCU has a net worth of 8.98% versus the BestCashCow average of 13.15.
Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Vystar

What is Vystar?

A federal credit union, registered with the NCUA under certificate #68490.
Learn more about credit unions here.

Is Vystar FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration.
The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Vystar?

Please see Field of Membership information above for information on who is eligible to join.

What are Vystar's share account and share certificate rates?

Vystar's deposit account rates are listed above.You may find better
online savings rates here or better local
savings rates at banks
or credit unions.
Tables with the best CD rates are here.

How big is Vystar?

Vystar has total capital of $622.41 million.
Full information on Vystar's financial position is located above.

Who owns Vystar?

Credit Unions are owned by their members.

Where are Vystar branches located?

See branch locations nearby.

Are Vystar ATMs Open 24/7?

Do Vystar ATMs accept cash deposits?

Can Vystar customers use other ATMs?
What is the charge for withdrawing money from another ATM?